Property ID: 4909823979
200 OH 613, Continental, OH, 45831
Continental, OH
Money Down: $43,176
CoC Return: -9.24%
Monthly Cash Flow: $-333
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,980
Closing Costs
$7,196
Total Down
$43,176
Investment Snapshot
Purchase Price
$179,900
Money Down
$43,176
Cash-on-Cash Return
-9.24%
Rent
$979
Monthly Cash Flow
$-333
Annual Cash Flow
$-3,991
Debt Service / Mo
$958
Property Tax / Mo
$155
Insurance / Mo
$101
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$979
Payment Standard
$1,263
Rent
$979
Insurance
$101
Property Tax
$155
Management
$98
Utilities Allowance
$284
NOI (Monthly)
$625
Debt Service
$958
Cash Flow After Debt
$-333
Quality Score: 70.10%
Confidence: 95.00%
Overall this single-story ranch appears in generally good condition with mostly cosmetic repairs needed. Major systems are likely functional per listing notes (furnace, windows, water/sewer), and the exterior/site are well maintained. Primary Section 8/NSPIRE risks are potential inadequate bedroom egress (small/high windows), no visible smoke/CO detectors, and the woodstove/insert which requires proper venting and CO detection. With targeted fixes (confirm/upgrade egress or designate rooms, install smoke/CO detectors, inspect woodstove venting, and address carpet/finish repairs), the property is likely to pass an initial HCV inspection within 2–6 weeks.
Section 8 Payment Standard
$1,263
Utility Allowance Total
$284
Guaranteed Section 8 Rent (PS - Utilities)
$979
Property Management
$98
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$179,900
Beds
3
Baths
1
Living Area
1,875 sqft
Lot Size
19,140 sqft
Year Built
1957
Days on Market
94
Capital Outlay
$43,176
Debt Service
$958
Property Tax / Mo
$155
Insurance / Mo
$101
Property Description
3 Bed 1Full Bath Ranch in Continental Ohio. This vintage house just feels good!. You can tell it's been well maintained by the owners choosing updates that matter. Windows, furnace, water & sewer, & more. At this price point all that's needed is your vision to make it your own. Open House cancelled this Sunday. New Open House this Thursday 4-6pm. Schedule a private viewing! If you do I suggest an hour before dark and you'll see the amazing colors of the sun setting outback!
Utility Allowances
Heating
$82
Selected 'electric' based on property 'Heating Features'. Used the 3BR allowance of $82.
Cooking
$13
Selected 'electric' based on property's 'Appliances' listing 'Electric Cooktop'. Used the 3BR allowance of $13.
Water Heating
$41
Selected 'electric' as it is the most common for all-electric homes. Used the 3BR allowance of $41.
Other Electric
$39
Standard allowance for general electricity usage. Used the 3BR allowance of $39.
Water
$32
Property has 'Public' water source. Used the 3BR fixed allowance of $32.
Sewer
$36
Property has 'Public Sewer'. Used the 3BR fixed allowance of $36.
Trash Collection
$25
Standard utility for a single-family home. Used the fixed allowance of $25.
Refrigerator
$8
Refrigerator not listed as a provided appliance. Used the tenant-owned fixed allowance of $8.
Range
$8
A full range is not listed as a provided appliance, so the tenant-owned allowance is used. Used the fixed allowance of $8.
Air Conditioning
$0
Property has cooling, but the utility schedule provides no allowance ($0) for this utility type.
Source References
Payment Standard Source
Effective Date:
Dec 01, 2025
Utility Allowance Source
Effective Date:
Aug 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,185
DP3 Annual Estimate$1,239
DP1 Monthly Equivalent$99
DP3 Monthly Equivalent$103
Replacement Value$300,000
Basis1,875 sqft / 1957
Nearby Houses
Photo unavailable
404 S Seventh St
sold · 0.07 mi
Price: $72,000
3 bd / 1 ba · 1,068 sqft
Latest sale: $72,000
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.08 mi
Price: $69,900
2 bd / 1 ba · 1,392 sqft
Latest sale: $69,900
Latest rent: —
Photo unavailable
204 E Sugar St
sold · 0.08 mi
Price: $60,000
2 bd / 1 ba · 746 sqft
Latest sale: $60,000 on Jan 05, 2026
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.11 mi
Price: $118,000
3 bd / 2 ba · 2,040 sqft
Latest sale: $118,000
Latest rent: —
Photo unavailable
301 E Sugar
sold · 0.14 mi
Price: $198,000
4 bd / 2 ba · 2,392 sqft
Latest sale: $198,000 on Feb 13, 2023
Latest rent: —
Photo unavailable
305 S Main St
sold · 0.15 mi
Price: $167,000
4 bd / 2 ba · 2,113 sqft
Latest sale: $167,000 on Dec 02, 2025
Latest rent: —
Photo unavailable
303 S Main St
sold · 0.16 mi
Price: $166,000
4 bd / 2 ba · 1,507 sqft
Latest sale: $166,000 on Nov 13, 2024
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Possible inadequate bedroom egress (small/high clerestory windows may not meet required egress size) — potential automatic fail.
- No visible smoke detectors or carbon monoxide detectors in interior photos — required and may cause fail.
- Woodstove/insert present — requires inspection for proper chimney/venting and CO risk mitigation.
- Visible crack in bedroom wall — potential sign of foundation movement; needs evaluation.
- Open burn barrel on site — safety/code issue that should be removed before rental/inspection.
Assumptions
- Seller statement that furnace, windows, water & sewer were updated is accurate and systems are operational.
- Kitchen, bathroom and major appliances are not shown; assume they may be missing or older—absence of shown appliances reduces condition score moderately but not catastrophically.
- Roof condition is assumed acceptable beneath snow since no sagging or visible damage edges are shown in photos.
- No smoke or CO detectors are visible in photos; assume they are not installed or not visible and therefore will need verification/installation.
- Electrical panel, water heater, and plumbing fixtures are not photographed; assume standard functioning installations unless otherwise discovered at inspection.
- Crack visible in one bedroom wall is assumed to be minor cosmetic/stucco/plaster crack rather than evidence of severe foundation movement (requires in-person inspection to confirm).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,808 | $132,110 | $46,240 |
| 2023 | $1,838 | $132,110 | $46,240 |
| 2022 | $1,813 | $103,060 | $36,070 |
| 2021 | $1,819 | $103,060 | $36,070 |
| 2020 | $1,857 | $103,060 | $36,070 |
| 2019 | $1,790 | $103,060 | $36,070 |
| 2018 | $1,737 | $103,060 | $36,070 |
| 2017 | $1,759 | $103,060 | $36,070 |
| 2016 | $1,610 | $99,540 | $34,840 |
| 2015 | $1,610 | $99,540 | $34,840 |
| 2014 | $1,565 | $99,540 | $34,840 |
| 2013 | $2,402 | $99,540 | $34,840 |
| 2012 | $2,387 | $99,540 | $34,840 |
| 2011 | $2,387 | $99,540 | $34,840 |
| 2010 | $2,286 | $95,230 | $33,330 |
| 2009 | $2,278 | $95,230 | $33,330 |
| 2008 | $2,243 | $95,230 | $33,330 |
| 2006 | $2,231 | $94,850 | $33,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-05 | Listed | $179,900 |
| 2025-12-31 | Sold | $685,000 |
| 2025-12-22 | Price Changed | $179,900 |
| 2025-12-06 | Listed | $184,900 |
Photo Gallery
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{
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}
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"lead_attributes": {
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{
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"market": {
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"assessment": {
"land": 5810,
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}
},
{
"tax": 1838,
"year": 2023,
"market": {
"land": 16600,
"total": 132110,
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},
"assessment": {
"land": 5810,
"total": 46240,
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}
},
{
"tax": 1813,
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"market": {
"land": 9970,
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},
"assessment": {
"land": 3490,
"total": 36070,
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}
},
{
"tax": 1819,
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"market": {
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"assessment": {
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"building": 32580
}
},
{
"tax": 1857,
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"market": {
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"assessment": {
"land": 3490,
"total": 36070,
"building": 32580
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},
{
"tax": 1790,
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"market": {
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},
{
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"market": {
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"assessment": {
"land": 3490,
"total": 36070,
"building": 32580
}
},
{
"tax": 1759,
"year": 2017,
"market": {
"land": 9970,
"total": 103060,
"building": 93090
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"assessment": {
"land": 3490,
"total": 36070,
"building": 32580
}
},
{
"tax": 1610,
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"market": {
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"assessment": {
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"total": 34840,
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},
{
"tax": 1610,
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"market": {
"land": 8830,
"total": 99540,
"building": 90710
},
"assessment": {
"land": 3090,
"total": 34840,
"building": 31750
}
},
{
"tax": 1565,
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"market": {
"land": 8830,
"total": 99540,
"building": 90710
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"assessment": {
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"total": 34840,
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},
{
"tax": 2402,
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"market": {
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"assessment": {
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{
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},
{
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"assessment": {
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},
{
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"building": 30200
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},
{
"tax": 2278,
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"market": {
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"building": 86290
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"assessment": {
"land": 3130,
"total": 33330,
"building": 30200
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},
{
"tax": 2243,
"year": 2008,
"market": {
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"total": 95230,
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"assessment": {
"land": 3130,
"total": 33330,
"building": 30200
}
},
{
"tax": 2231,
"year": 2006,
"market": {
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"assessment": {
"land": 3130,
"total": 33200,
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}
],
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{
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{
"date": "2025-12-31",
"price": 685000,
"listing": {
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"list_date": "2025-12-06T01:21:58Z",
"list_price": 179900,
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"last_update_date": "2026-01-05T03:02:04Z",
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"price_change": 505100,
"days_after_listed": "25 days",
"source_listing_id": "10002090",
"price_change_percentage": "+270.47%"
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{
"date": "2025-12-22",
"price": 179900,
"listing": {
"status": "sold",
"list_date": "2025-12-06T01:21:58Z",
"list_price": 179900,
"listing_id": "2989255903",
"last_update_date": "2026-01-05T03:02:04Z",
"last_status_change_date": "2026-01-05T03:03:33Z"
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"price_sqft": 95.94666666666667,
"source_name": "NWOhio",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "10002090",
"price_change_percentage": null
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{
"date": "2025-12-06",
"price": 184900,
"listing": {
"status": "sold",
"list_date": "2025-12-06T01:21:58Z",
"list_price": 179900,
"listing_id": "2989255903",
"last_update_date": "2026-01-05T03:02:04Z",
"last_status_change_date": "2026-01-05T03:03:33Z"
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"event_name": "Listed",
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"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "10002090",
"price_change_percentage": null
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],
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}
},
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"processing_status": {
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"eligible": true,
"min_score": 60.0,
"overall_score": 70.1
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"zip_code": "45831",
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"rent_price": 979.0,
"loan_amount": 143920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/200-W-State-Route-613_Continental_OH_45831_M49098-23979",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 179900.0,
"loan_term_years": 30,
"annual_cash_flow": 7498.96,
"mortgage_monthly": 957.5,
"payment_standard": 1263.0,
"total_amount_out": 35980.0,
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"down_payment_rate": 0.2,
"insurance_monthly": 101.0,
"monthly_cash_flow": 624.91,
"property_tax_rate": 0.009899999999999999,
"_utility_allowance": {
"sources": [
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],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Selected 'electric' based on property 'Heating Features'. Used the 3BR allowance of $82.",
"utility": "Heating",
"allowance": 82
},
{
"note": "Selected 'electric' based on property's 'Appliances' listing 'Electric Cooktop'. Used the 3BR allowance of $13.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Selected 'electric' as it is the most common for all-electric homes. Used the 3BR allowance of $41.",
"utility": "Water Heating",
"allowance": 41
},
{
"note": "Standard allowance for general electricity usage. Used the 3BR allowance of $39.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "Property has 'Public' water source. Used the 3BR fixed allowance of $32.",
"utility": "Water",
"allowance": 32
},
{
"note": "Property has 'Public Sewer'. Used the 3BR fixed allowance of $36.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Standard utility for a single-family home. Used the fixed allowance of $25.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Refrigerator not listed as a provided appliance. Used the tenant-owned fixed allowance of $8.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A full range is not listed as a provided appliance, so the tenant-owned allowance is used. Used the fixed allowance of $8.",
"utility": "Range",
"allowance": 8
},
{
"note": "Property has cooling, but the utility schedule provides no allowance ($0) for this utility type.",
"utility": "Air Conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.21,
"down_payment_amount": 35980.0,
"property_tax_annual": 1862.24,
"property_tax_monthly": 155.19,
"property_tax_increase": 0.03,
"utility_allowance_total": 284.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": -3991.08,
"property_management_monthly": 97.9,
"monthly_cash_flow_after_debt": -332.59,
"cash_on_cash_return_after_debt": -0.11
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"section8_assessment": {
"runs": [
{
"summary": "Overall this single-story ranch appears in generally good condition with mostly cosmetic repairs needed. Major systems are likely functional per listing notes (furnace, windows, water/sewer), and the exterior/site are well maintained. Primary Section 8/NSPIRE risks are potential inadequate bedroom egress (small/high windows), no visible smoke/CO detectors, and the woodstove/insert which requires proper venting and CO detection. With targeted fixes (confirm/upgrade egress or designate rooms, install smoke/CO detectors, inspect woodstove venting, and address carpet/finish repairs), the property is likely to pass an initial HCV inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears generally intact with cosmetic wear only: older carpeting with ripples, dated finishes, minor wall cracks and some scuffs. Exterior paint/siding and stone veneer look well maintained. No evidence of collapsed ceilings, large holes, or severe deferred maintenance in photos. Kitchen/appliances/bath not pictured; missing appliances would be a moderate, fixable item but are not visible. Overall condition suggests mostly cosmetic and minor repair work to be tenant-ready."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Several NSPIRE safety items are unclear or potentially deficient from photos: no smoke or carbon monoxide detectors are visible (required), several bedrooms show small horizontal/clerestory-style windows that may not meet egress size for sleeping rooms (risk of inspection fail), and a woodstove/insert is present which requires proper venting and CO detection. No exposed wiring or obvious electrical hazards are visible and entry doors appear secure; handrails/stairs not applicable in single-story photos. Because missing smoke/CO detectors and inadequate egress are common automatic fail items, this category is penalized despite otherwise benign observable conditions."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "Listing states furnace, windows, water & sewer were updated; interior photos show a central return/grille and an exterior window AC unit. No visible active roof leaks or ceiling stains were observed. Electrical panel and water heater not shown. Plumbing fixtures and hot water not pictured. Given the seller claim of updates and lack of visible system distress, major systems likely functional, but absence of direct photos of mechanical room, panel, water heater, or bathroom reduces confidence."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior photos show a well-maintained yard, intact siding and stone veneer, functioning gutters, and a clean concrete driveway/garage approach. Roof appears uniform under snow (no visible sagging). Property sits on flat lot; detached outbuildings/sheds present. Minor site concern: an open burn barrel is visible on the lawn which could be a local-code or safety issue and should be removed prior to inspection or tenancy."
}
],
"red_flags": [
"Possible inadequate bedroom egress (small/high clerestory windows may not meet required egress size) — potential automatic fail.",
"No visible smoke detectors or carbon monoxide detectors in interior photos — required and may cause fail.",
"Woodstove/insert present — requires inspection for proper chimney/venting and CO risk mitigation.",
"Visible crack in bedroom wall — potential sign of foundation movement; needs evaluation.",
"Open burn barrel on site — safety/code issue that should be removed before rental/inspection."
],
"confidence": 0.6,
"assumptions": [
"Seller statement that furnace, windows, water & sewer were updated is accurate and systems are operational.",
"Kitchen, bathroom and major appliances are not shown; assume they may be missing or older—absence of shown appliances reduces condition score moderately but not catastrophically.",
"Roof condition is assumed acceptable beneath snow since no sagging or visible damage edges are shown in photos.",
"No smoke or CO detectors are visible in photos; assume they are not installed or not visible and therefore will need verification/installation.",
"Electrical panel, water heater, and plumbing fixtures are not photographed; assume standard functioning installations unless otherwise discovered at inspection.",
"Crack visible in one bedroom wall is assumed to be minor cosmetic/stucco/plaster crack rather than evidence of severe foundation movement (requires in-person inspection to confirm)."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed ranch presents as generally well-maintained and likely rentable with mostly cosmetic work and a few verification items. Major systems appear to have been updated per the listing (windows, furnace, water/sewer), exterior and roof look sound, and no structural failures are apparent in photos. Primary inspection risks that could cause an initial NSPIRE/Section 8 fail are probable: bedroom egress windows appear small and may not meet egress requirements, and there are no visible smoke/CO detectors or visible GFCI outlets in the photo set. If detectors are installed, bedroom egress is confirmed acceptable, and the fireplace/chimney and mechanicals check out, this property should be rent-ready within 2–4 weeks (minor repairs and documentation).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall interior and exterior photos show a well-maintained mid-century ranch with cosmetic age (dated carpet, textured ceilings, some carpet ripples and minor wall marks). No obvious water stains, collapsed ceilings, or major flooring failures visible. Missing photos of kitchen and bath prevent full appliance/fixture check; listing states updates (windows, furnace, water & sewer) which supports a higher condition score. Estimated easy-to-fix items: replace carpet/vinyl in high traffic areas, touch-up paint, and minor trim/threshold repairs. Missing appliances (not shown) would reduce score moderately but were not observed in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Visible safety observations are limited. No smoke detectors or carbon monoxide detectors are visible in interior photos; absence in photos is a risk (these are required). Several bedrooms show high, narrow windows that may not meet NSPIRE/HUD egress size requirements — potential inspection failure if confirmed. Fireplace has an insert/woodstove; requires verification of proper venting, clearances, and chimney condition. No exposed wiring or obvious electrical panel issues seen, but GFCI outlets in kitchen/bath not visible. Overall there are moderate NSPIRE compliance risks that will likely require installation/verification of detectors, confirmation of bedroom egress, and GFCI checks."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states windows, furnace, and water/sewer have been updated which supports a favorable mechanical assessment. Exterior venting and registers visible suggest central forced-air heat; a window AC is shown (side wall). Roof appears intact from exterior photos with no visible sag or active leaks (snow cover limits close inspection). No water heater, electrical panel, or furnace photos provided so operational status must be verified. Based on seller claims and no visible failures, treat systems as functional but requiring standard verification (HVAC service records, water heater, electrical panel, and plumbing checks)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show sound siding and stone veneer, intact gutters, a clean concrete driveway and attached two-car garage, and a level lot with no visible standing water or major drainage problems. Yard appears well-kept with mature trees and outbuilding/covered dock visible. No visible foundation movement, severe siding damage, or roof collapse. Snow cover prevents a full foundation perimeter inspection, but visible areas look well maintained."
}
],
"red_flags": [
"Possible non-compliant bedroom egress — bedrooms show small, high windows that may not meet NSPIRE egress dimensions (could cause immediate fail).",
"No visible smoke detectors or carbon monoxide detector in interior photos (required for pass).",
"Fireplace/woodstove insert present — requires chimney/vent inspection and safe clearances; could be a code item if not properly installed or maintained.",
"No kitchen or bathroom photos — inability to confirm GFCI protection, hot water, and sanitary condition from provided images."
],
"confidence": 0.55,
"assumptions": [
"Listing statement that windows, furnace, and water & sewer were updated is accurate and recent; no service records were provided.",
"Interior photos do not show kitchen or bathroom; assume plumbing fixtures and toilet/shower are present and functional unless proven otherwise.",
"No visible active roof leaks or structural sagging in photographed elevations; snow cover limits inspection of roof and perimeter foundation.",
"No smoke or CO detectors were photographed; assume none visible in photos but may be present elsewhere.",
"Electrical panel, water heater, and HVAC equipment were not photographed; assume functional given listing claims but require verification.",
"Bedrooms shown are designated as sleeping rooms in listing; small/high windows may not meet egress without confirmation of size/opening dimensions."
],
"overall_score": 70.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "This 3-bed ranch appears generally well-maintained and likely to pass many NSPIRE checkpoints after a short prep period. Major positives: tidy exterior, intact roofline, attached garage, and listing claims of recent furnace/windows/water/sewer updates. Primary inspection risks are safety-related items that are not shown: bedroom egress windows appear undersized for emergency escape, smoke/CO detectors are not visible, and the fireplace/woodstove insert requires flue/vent inspection. Expect minor cosmetic repairs (carpet, paint, minor fixtures) and a short mechanical/electrical verification step before a Housing Choice Voucher inspection; if egress windows or missing detectors are confirmed, those must be remedied before passing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show a well-maintained mid-century ranch with sound siding/stonework and a solid concrete driveway. Interior finishes are dated (carpet shows ripples/staining, older trim, textured ceilings) but no visible major damage. Minor repairs/cosmetic updates likely (replace/wravel carpet, paint, minor trim/door hardware, window treatments). Missing kitchen photos and no appliances shown — this should reduce score moderately but not heavily because structure and finishes are intact."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "Several NSPIRE items cannot be confirmed from photos: smoke detectors and carbon monoxide detectors are not visible; GFCI protection is not shown. Bedrooms are photographed with small, high, horizontal windows that appear too small to meet emergency egress requirements for a sleeping room in many jurisdictions — this represents a likely inspection fail without further verification or window replacement. The property has a fireplace/woodstove insert visible in the living room; venting/clearances and flue condition are unknown and would require inspection. No obvious exposed wiring, severe water intrusion, sagging ceilings, or missing guardrails were visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Listing states windows, furnace, water & sewer were updated; exterior photos show intact roofline with no visible sagging and functioning gutters. No mechanical equipment or water heater photos were provided to confirm age/condition. Wall/window AC unit is visible indicating cooling is not central (acceptable if HVAC provides heating). Electrical panel is not shown and GFCI/grounding unknown. Given listing claims of updates and no visible system distress, systems are likely in serviceable condition but verification (service records or inspection) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Property sits on a large, flat lot and photos show tidy grounds, maintained trees and shrubs, and a usable two-car attached garage. Siding and stone facade appear in good condition; concrete driveway and entry porch are sound. No standing water, major grading problems, driveway trip hazards or visible infestation. Detached storage/shed seen in distance appears serviceable. Overall low risk from the site/exterior perspective."
}
],
"red_flags": [
"Likely non-compliant bedroom egress windows (small, high horizontal windows pictured in sleeping rooms) — possible immediate NSPIRE/HCV fail.",
"No visible smoke detectors or carbon monoxide detectors in photos — required safety devices must be present and operational.",
"Fireplace / woodstove insert visible — flue, venting and clearance must be inspected and certified safe (possible fire/venting hazard if undocumented)."
],
"confidence": 0.6,
"assumptions": [
"Listing statement that windows and furnace were updated is accurate and those systems are functional unless inspection shows otherwise.",
"Water and sewer updates referenced in listing mean the plumbing and sewer connections are serviceable; water heater is present though not photographed.",
"Kitchen and major appliances (stove/fridge) were not shown; assume they are not present in photos and would need verification — missing appliances were not heavily penalized.",
"No active roof leaks or interior water damage exist because roofs and ceilings in photos show no visible stains or sagging.",
"Smoke and carbon monoxide detectors, GFCI outlets, electrical panel condition and window egress sizes are unknown because not photographed and are potential inspection items to verify."
],
"overall_score": 70.0,
"rubric_version": "ns_pire_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "200 OH 613, Continental, OH, 45831",
"aggregate": {
"summary": "Overall this single-story ranch appears in generally good condition with mostly cosmetic repairs needed. Major systems are likely functional per listing notes (furnace, windows, water/sewer), and the exterior/site are well maintained. Primary Section 8/NSPIRE risks are potential inadequate bedroom egress (small/high windows), no visible smoke/CO detectors, and the woodstove/insert which requires proper venting and CO detection. With targeted fixes (confirm/upgrade egress or designate rooms, install smoke/CO detectors, inspect woodstove venting, and address carpet/finish repairs), the property is likely to pass an initial HCV inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears generally intact with cosmetic wear only: older carpeting with ripples, dated finishes, minor wall cracks and some scuffs. Exterior paint/siding and stone veneer look well maintained. No evidence of collapsed ceilings, large holes, or severe deferred maintenance in photos. Kitchen/appliances/bath not pictured; missing appliances would be a moderate, fixable item but are not visible. Overall condition suggests mostly cosmetic and minor repair work to be tenant-ready."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 83.3,
"rationale": "Exterior photos show a well-maintained yard, intact siding and stone veneer, functioning gutters, and a clean concrete driveway/garage approach. Roof appears uniform under snow (no visible sagging). Property sits on flat lot; detached outbuildings/sheds present. Minor site concern: an open burn barrel is visible on the lawn which could be a local-code or safety issue and should be removed prior to inspection or tenancy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Several NSPIRE safety items are unclear or potentially deficient from photos: no smoke or carbon monoxide detectors are visible (required), several bedrooms show small horizontal/clerestory-style windows that may not meet egress size for sleeping rooms (risk of inspection fail), and a woodstove/insert is present which requires proper venting and CO detection. No exposed wiring or obvious electrical hazards are visible and entry doors appear secure; handrails/stairs not applicable in single-story photos. Because missing smoke/CO detectors and inadequate egress are common automatic fail items, this category is penalized despite otherwise benign observable conditions."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "Listing states furnace, windows, water & sewer were updated; interior photos show a central return/grille and an exterior window AC unit. No visible active roof leaks or ceiling stains were observed. Electrical panel and water heater not shown. Plumbing fixtures and hot water not pictured. Given the seller claim of updates and lack of visible system distress, major systems likely functional, but absence of direct photos of mechanical room, panel, water heater, or bathroom reduces confidence."
}
],
"red_flags": [
"Possible inadequate bedroom egress (small/high clerestory windows may not meet required egress size) — potential automatic fail.",
"No visible smoke detectors or carbon monoxide detectors in interior photos — required and may cause fail.",
"Woodstove/insert present — requires inspection for proper chimney/venting and CO risk mitigation.",
"Visible crack in bedroom wall — potential sign of foundation movement; needs evaluation.",
"Open burn barrel on site — safety/code issue that should be removed before rental/inspection."
],
"confidence": 0.95,
"assumptions": [
"Seller statement that furnace, windows, water & sewer were updated is accurate and systems are operational.",
"Kitchen, bathroom and major appliances are not shown; assume they may be missing or older—absence of shown appliances reduces condition score moderately but not catastrophically.",
"Roof condition is assumed acceptable beneath snow since no sagging or visible damage edges are shown in photos.",
"No smoke or CO detectors are visible in photos; assume they are not installed or not visible and therefore will need verification/installation.",
"Electrical panel, water heater, and plumbing fixtures are not photographed; assume standard functioning installations unless otherwise discovered at inspection.",
"Crack visible in one bedroom wall is assumed to be minor cosmetic/stucco/plaster crack rather than evidence of severe foundation movement (requires in-person inspection to confirm)."
],
"score_method": "mean_of_criteria",
"overall_score": 70.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4909823979"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.